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Your dashboard, reports, budgets, net worth and goals are free forever — no card, no credits. Credits only pay for the AI: chat, planning, negotiation, and business analysis.
Everything you need to see and steer your money is computed from your own data. It never costs a credit.
Net worth, this-month spending, income vs expense, and a category breakdown the moment you upload a statement.
Income vs expense, spending trends, top categories and merchants — by month, quarter, or year.
Set a monthly limit per category and track it against real spending, with at-a-glance progress bars.
What you own minus what you owe, charted over time as you update your balances. No bank linking required.
Set savings goals and watch your progress fill in — on the dashboard and in the planner.
Cashowa spots recurring charges in your transactions and helps you cancel the ones you don't use.
A small monthly subscription with an AI credit allowance. Use Cashowa as much or as little as you want — top up if you ever need more.
The full tracking suite, free forever.
$0/mo
Forever free
10 credits / month included
Personal finance everyday.
$14.99/mo
Billed monthly
200 credits / month included
For people running a business + their personal money.
$39/mo
Billed monthly
600 credits / month included
The full tracking suite is free on every plan. Higher tiers give you more AI credits and unlock scheduled background work.
| Feature | Free | Starter | Pro |
|---|---|---|---|
| Price | $0 | $14.99 / mo | $39 / mo |
| AI credits / month | 10 | 200 | 600 |
| Yearly option (save ~17%) | $149 / yr | $390 / yr | |
| Top-up overage rate | $0.25 / credit | $0.18 / credit | |
| Buy top-up credit packs | |||
| Dashboard & spending charts | |||
| Spending reports (month/qtr/year) | |||
| Budgets with progress tracking | |||
| Net worth tracker | |||
| Goal tracking | |||
| Subscription & recurring detection | |||
| CSV & PDF import + data export | |||
| Multi-currency profile | |||
| AI chat with verifiable math | uses credits | uses credits | uses credits |
| AI financial planner | uses credits | uses credits | uses credits |
| Bill negotiator | uses credits | uses credits | uses credits |
| Business audit + website crawl | uses credits | uses credits | uses credits |
| Auto Quarterly Business Review | |||
| Quarter-over-quarter narrative | |||
| Priority support |
“Uses credits” means the feature is available to everyone and draws from your monthly credit allowance — see the per-action cost below.
Only AI actions use credits — tracking, charts, budgets and net worth are always free. Per-action pricing means you know the cost before you ask.
Buy a credit pack from your billing page once you've used your monthly allowance. Credits don't expire while your plan is active.
50 credits
$12
$0.240 / credit
200 credits
$40
$0.200 / credit
600 credits
$99
$0.165 / credit
All tracking and visualisation — dashboard, spending reports, budgets, net worth, goals, and subscription detection — is free forever and never uses credits. Credits only pay for AI actions: chat, the financial planner, the bill negotiator, smart categorisation, and business analysis.
The AI runs on a paid service (Anthropic Claude). Credits keep the price predictable and tie cost directly to value delivered, instead of charging everyone for the heaviest users. The free tracking suite has no such cost, so it stays free.
Monthly allotments don't roll over — they refresh on your billing date. Top-up credits, on the other hand, never expire while your plan stays active.
Yes. Cancel from your Billing settings — you keep paid access until the end of the current billing period, then drop to Free (and keep the whole tracking suite).
If you're unhappy in your first 14 days on a paid plan, email hello@cashowa.app for a full refund.
The full dashboard, budgets, reports and net worth — no card required. Add AI when it pays for itself.